If you’ve found yourself needing to file an SR22 in New Hampshire, navigating the world of SR22 insurance can be confusing. Cheap Insurance aims to demystify the process by explaining what an SR22 is, why you might need it, and the factors that influence the cost in the Granite State.
Key Takeaways:
- SR22 insurance is a filing showing you meet New Hampshire’s minimum auto insurance requirements.
- Common reasons for needing an SR22 in NH include DUI, driving without insurance, or accumulating traffic violations.
- Expect to pay an average of $598 annually for SR22 insurance due to the higher-risk driver classification.
- The SR22 filing duration varies depending on the reason (3 years for DUI), and a lapse can lead to license suspension.
- Maintain continuous auto insurance, compare SR22 insurance quotes, and practice safe driving to navigate the SR22 requirement smoothly.
What is SR22 Insurance and Why Is It Need It in New Hampshire?
SR22 insurance isn’t a separate type of insurance itself. Instead, it’s a financial responsibility filing mandated by the state. When you obtain SR22 insurance, your car insurance carrier electronically submits an SR22 to the New Hampshire Department of Motor Vehicles.
Here are some common reasons why you might need to file an SR22 in New Hampshire:
- Driving Under the Influence (DUI): A DUI conviction may result in a license suspension or revocation. To regain driving privileges, you’ll need to file an SR22 for a specific period.
- Driving Without Insurance: Operating a vehicle without auto insurance can lead to license suspension. To reinstate your license, the state may require an SR22 filing.
- Multiple Traffic Violations: Accumulating a significant number of points on your license due to speeding tickets and moving violations will trigger an SR22 requirement.
The specific conditions for getting SR22 insurance and the filing duration will vary depending on your individual case. It’s crucial to consult with the New Hampshire DMV for the most accurate information regarding your situation.
How Much Does SR22 Insurance Cost in New Hampshire?
The cost of SR22 insurance in New Hampshire can vary considerably depending on several factors. However, you can expect to pay an average of $598 annually. It’s important to understand the distinction between the SR22 filing fee and the overall automobile insurance.
SR22 Filing Fee: This is a one-time administrative charge, typically ranging from $15 to $25, levied by your auto insurance carrier for submitting the SR22 form to the state.
What are the Differences Between SR22 Insurance and Regular Car Insurance in New Hampshire?
While both SR22 and car insurance provide protection in case of accidents, they differ in key aspects:
Purpose: Car insurance protects you from liability arising from car accidents. SR22 insurance, on the other hand, serves as a guarantee to the state that you maintain the minimum required vehicle insurance.
Cost: As mentioned earlier, SR22 insurance typically increases your overall vehicle insurance due to the perceived higher risk associated with your driving record.
Filing Requirements: Car insurance is mandatory for all licensed drivers in New Hampshire. SR22 filing, however, is only mandated by the state in specific situations, such as those outlined above.
How Long Is It Needed to Maintain SR22 Insurance in New Hampshire?
The duration of an SR22 in New Hampshire depends on the reason you need it:
- DUI: Typically requires SR22 filing for 3 years from the reinstatement of your license.
- Driving Without Insurance: The filing period may vary, but it’s generally mandated for at least a year.
- Multiple Traffic Violations: The DMV will determine the filing duration based on the severity of your violations.
It’s essential to maintain SR22 insurance for the entire period mandated by the state. Even a lapse of a few days can lead to a license suspension and reinstatement complications.
What Happens if My SR22 Insurance Lapses in New Hampshire?
If your SR22 car insurance lapses due to non-payment or cancellation, your insurance company is legally obligated to notify the New Hampshire DMV. This notification can result in:
- License Suspension: The state can suspend your driver’s license until you reinstate SR22 insurance and meet any additional reinstatement requirements set by the DMV.
- Fines and Penalties: You might face additional fines or penalties for the lapse in SR22 coverage.
- Restart of SR22 Filing Period: In some cases, the lapse might lead to restarting the entire SR22 filing period, meaning you’ll have to maintain SR22 insurance for the full duration again.
Needing SR22 insurance in New Hampshire can be stressful, but understanding the process and the factors affecting its cost can empower you to make informed decisions. Remember, the SR22 filing itself isn’t separate insurance, but an additional requirement on top of your auto insurance. By maintaining continuous SR22 auto insurance for the mandated period and practicing safe driving habits, you can demonstrate responsibility and get back to driving legally in the New Hampshire.
